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By Janine

3 Ways to Improve your Budget Attitude Instantly

Filed Under: BLOG, Making Money Tagged With: Saving Money Tips

Setting a budget can seem like a difficult and exhausting process. Nobody likes the idea of having to watch every penny they spend like a hawk. However, by being cautious with the way you use your money, you can improve your chances of reaching your financial goals in the long term. A budget can be a crucial way of understanding your financial health and determining where exactly your money should be going. However, it can be difficult to get your budget right from day one. Sometimes, you end up with a set of guidelines that are too restrictive or too complicated, which leads to giving up on your budget entirely. Fortunately, there are some easy ways for families to save money and quick ways to improve their overall strategy by improving their attitude.

Improve Your Budget Tips

Decide Why You’re Budgeting

One of the best ways to make your budgeting strategy more effective is to decide exactly why you’re going to be building a budget in the first place. If you have a specific goal in mind, this can help to keep you motivated, both in the longer and shorter term. It’s a good idea to have different levels to your budgeting goals. Sometimes, aiming for something too huge could mean you don’t see a lot of progress very quickly, which harms your motivation levels. On the other hand, not aiming for something significant enough could mean you hit your goals too quickly and need to start again. You might have short-term goals like raising $200 in a year, and long-term goals, like saving enough cash to put a deposit on a house.

Find the Easy Wins First

Budgeting becomes increasingly difficult when you need to give up on the things you enjoy. If you’re constantly saying no to fun times with friends and the new clothes you’d desperately like to buy, it’s difficult to stay motivated. While you will need to compromise on some things in your life unless you have a great income, you can start by cutting costs in the simplest possible way. Begin by looking for a way to reduce the amount you spend on your mandatory monthly expenses. Compare the deals from different insurance or electricity providers. Look at your loans and ask yourself if you can make them cheaper. Refinancing your student loans into a new loan with a private lender can save you a fortune in interest over the life of the loan.

Give Yourself Some Slack

Finally, for a budget to be successful, you do need to show some discipline. This means you’ll need to commit to saying no to certain purchases and following the guidelines you set for yourself. However, you don’t have to be absolutely perfect. Sometimes, particularly when you’re in the initial stages of setting your budget, you’ll discover you’ve made some mistakes. This is an opportunity to go back and update your budget, not beat yourself up. If something doesn’t go entirely according to plan with your budgeting strategy, take a deep breath and focus on addressing that issue and trying again. Sometimes it can take a while to find a budgeting strategy that really works for you. Learn from each mistake until you make it.

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About Janine

Janine is a published author of the books, The Mother of All Meltdowns and Only Trollops Shave Above the Knee. She has been featured on The Huffington Post, Mamapedia, Today Parenting Team and SheKnows. She also runs her own graphic design company at J9 Designs.

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